TB - You are so right!! My brother and sister-in-law were teachers, and recently retired in their 50's. The nic thing is, they get lifetime medical coverage, which is what stops a lot of people from retiring earlier. They are having the time of their lives, exploring Manhattan like never before and recently took advantage of Restaurant Week to enjoy some of the best restaurants for very little money. My husband and I are extremely jealous at times.

TIS - I would retire the minute I could. Unfortunately, within the next seven years, I'll have two girls to put through college, so it's going to have to wait a looooong time.